Capital One Platinum vs Discover It
Capital One Platinum is a good no annual fee credit card for people with average credit. How does it compare to Discover It, a cash back card? Read our comparison chart below.
Capital One Platinum Credit Card | Discover it® Cash Back | |
|---|---|---|
Credit Card Interest Rates & Fees | ||
| Introductory APR for Purchases | N/A | 0% introductory APR for 14 months |
| Introductory APR for Balance Transfers | N/A | 0% introductory APR for 14 months |
| Purchase APR | 26.99% (Variable) based on your creditworthiness and other factors | 12.24% to 23.24% Variable based on your creditworthiness and other factors |
| Balance Transfers APR | 26.99% (Variable) based on your creditworthiness and other factors | 12.24% to 23.24% Variable based on your creditworthiness and other factors |
| Balance Transfer Fee | No balance transfer fee | 3% of the amount of each transfer. |
| Foreign Transaction Fee | No foreign transaction fee | No foreign transaction fee |
| Annual Fee | ||
Credit Card Rewards & Benefits | ||
| Introductory Bonus Cash Back | Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers). | |
| Cash Back Rewards | 1% cash back on all other purchases. | |
| Bonus Cash Back | 5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)* Limitations apply*. See issuer's website for additional program details. Bonus Categories for 2022: January - March 2022: Grocery Stores and Fitness Club & Gym Memberships (Excludes Walmart and Target purchases) April - June 2022: Gas Stations and Target July - September 2022: Restaurants and PayPal October - December 2022: Amazon.com and Digital Wallets (includes Apple Pay, Google Pay, Samsung Pay, and Garmin Pay) | |
CreditDonkey® Credit Card Reviews | ||
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Good no annual fee credit card for people with average credit... | Excellent cash back credit card with no annual fee and low interest rate... |
| Read Capital One Platinum Review | Read Discover It Review | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the Capital One Platinum Credit Card and Discover it® Cash Back has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. Capital One Platinum: Pricing information including interest rates, rewards, benefits and fees was obtained on April 19, 2022 from published websites and is believed to be accurate, but not guaranteed. Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on March 30, 2022 from published websites and is believed to be accurate, but not guaranteed. | ||
Articles on Capital One Platinum Credit Card
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